Leadway: What to Do If Your Car Gets Damaged by Floodwater

The rainy season in Nigeria is no stranger to heavy downpours, but in recent weeks, the flooding has been unlike anything many people expected. Roads have turned into rivers, neighborhoods have been submerged, and cars have been left stranded and caught off guard.

Earlier this year, the Nigerian Meteorological Agency (NiMet) warned that 2026[1] [2] would see above-normal rainfall, with Lagos among the states expected to be hardest hit.

Many motorists believe, "My car can handle it." Unfortunately, floodwater doesn't discriminate. Many modern vehicles have critical components positioned low enough, which increases the risk of serious damage. That's why having the right car insurance and a comprehensive insurance policy is more important than ever during the rainy season.

It's heartbreaking to see vehicles submerged in floodwater. For many families, a car is more than just a means of transport; it's how they get to work, take their children to school, run their businesses, and care for loved ones.

If your car gets damaged by floodwater, here's what you should do.

1. Don't Start the Engine

If your vehicle has been submerged by floodwater, don't try to start it. Doing so could worsen the damage; instead, have it inspected by a professional mechanic.

2. Document the Damage

Take clear photos and videos of the damage before moving your car. They may be required when filing a claim under your car insurance.

3. Move the Vehicle Safely

If it's safe, have the vehicle towed to a trusted workshop instead of driving it. Car Insurance plans like the Leadway Comprehensive Auto Insurance offer towing support.

4. Notify Your Insurer

Report the incident as soon as possible and submit the required photos and documents. Prompt reporting helps your insurer begin processing your insurance policy claim without unnecessary delays.

5. Dry the Interior

Dry the interior quickly to prevent mould, odours, and further damage.

How Can Auto Insurance Help?

Flood damage can be expensive to repair, which is why you need a reliable plan like Leadway Comprehensive Auto Insurance. It covers you against the damage caused by a flood. It takes away the financial burden and stress that the unexpected brings. It also provides third-party liability cover, towing support, and an insurance policy claims process designed to help you recover faster after an unexpected event.

Conclusion

A good choice today saves your car tomorrow. Visit www.leadway.com or send them a Dm here to cover your car before the next heavy downpour.

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Source: Legit.ng